Compare Bank & Credit Union Rates
Best 2-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 106–120 results
- Hometown Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.37%APY$893 over 24 months on $10,000Requirements
Product: Must purchase a $5.00 par value share in the credit union and be a member in good standing. Certificates are fixed for the term of the instrument unless otherwise disclosed. Early withdrawal penalty applies: 90 days dividends for terms up to 15 months, 182 days dividends for terms 18 to 39 months, 365 days dividends for terms 42 to 72 months.
Offer: Special offer. Early withdrawal penalty: 182 days dividends.
4.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - Children's Medical Center Federal Credit UnionCertificates of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.36%APY$891 over 24 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $500.00 each day to obtain disclosed APY. Compounded daily, credited quarterly. Early withdrawal penalty applies.
4.35% interest rate · Compounded daily · Effective Jan 25, 2024
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More details - Members Heritage CUTerm Share CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000intro rateRequirements
Product: Minimum balance $500. Dividends calculated on average daily balance, paid monthly. Fixed interest rate and maturity date. Early withdrawal penalty applies.
Offer: Term 2 Year.
Promotional rate · 4.27% interest rate · Effective Oct 22, 2026
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More details - Langley Credit UnionCertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Requires $5 deposit to Langley savings account for membership. Early withdrawal penalties apply (90 days dividends for 3-6 months, 180 days dividends for 12 months or greater). Dividends compound monthly.
4.27% interest rate
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More details - Canyon View Credit UnionRegular Bump Share CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Min. $500 opening balance. One-time bump per term to prevailing CVCU rate; not retroactive. Auto-renews to a Regular Certificate of same term without bump. Min. $10 in primary savings required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
4.27% interest rate · Effective Oct 9, 2026
Rate checked
More details - Synchrony BankCertificate of Deposit (CD)CD · 24 months · $0 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.
4.25% interest rate · Effective Oct 22, 2026
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More details - America First Credit UnionBump-Rate Certificate AccountsCD · 24–29 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APYRequirements
Product: Allows adjusting/increasing the interest rate one time during the certificate term.
Offer: Increase rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly.
4.27% interest rate · Effective Oct 21, 2026
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More details - Home Savings BankCertificate of DepositCD · 24 months · $10,000 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: No service fees. In branch opening option available. Interest compounded daily.
4.26% interest rate · Compounded daily · Effective Oct 22, 2026
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More details - Home Savings BankInternet Certificate of DepositCD · 24 months · $10,000 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Online opening only. Opening deposit $10,000 - $250,000. Limited to Individual or Joint Ownership (beneficiaries allowed). Online statements only. No service fees.
Offer: Each Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application.
4.26% interest rate · Balance cap $250,000 · Effective Oct 22, 2026
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More details - Blackhawk Community Credit UnionShare CertificateCD · 24 months · $1,000 min · 3.85%–4.35% by balance
Credit union · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,0003.80% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 3.85% $10,000 and upYour amountJumbo Certificate 4.35% Rate checked
More details - Bank of DeerfieldCertificate of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Substantial penalty for early withdrawal. Rates as of September 18, 2026.
4.30% interest rate · Effective Sep 18, 2026
Rate checked
More details - Leader BankCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,0004.27% interest rate · Balance cap $5,000,000 · Effective Oct 15, 2026
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More details - Leader BankCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Offer: Advertised CD offer; maximum deposit $250,000.
4.27% interest rate · Balance cap $250,000 · Effective Oct 15, 2026
Rate checked
More details - Omaha Federal Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: With as little as $500, account holders can invest in an Omaha FCU Share Certificate. Share Certificates have a 90-day loss of dividends, whether they are earned or not, for early-withdrawals. Rates are subject to change.
4.27% interest rate
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More details - Signal FinancialShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Membership required ($5 one-time membership share). Fixed dividend rate. Option to extend term by 6 months or more at prevailing rate. Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Fees may reduce earnings.
Offer: Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required.
4.26% interest rate · Compounded daily · Effective Oct 7, 2026
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 2-year CDs pay nationwide
4,630 CDs at 4,053 banks and credit unions · checked Oct 15–22
- Typical
- 3.05%
- Top 10% from
- 4.05%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.25%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank